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Hopeless after Chapter 7 Can't even get approved for Secured Discover or Capital One

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AspiringDink1991
Valued Member

Hopeless after Chapter 7 Can't even get approved for Secured Discover or Capital One

I feel like i have ruined my financial life completely by doing this. I have an open sky account thats been positively reporting for 6 months and I'm still getting denied for everything under the sun. I just dont know what to do. I feel like its impossible.



1-19 scores
1-20 scores
11-20 scores
1-21 scores

11-18 MyJewelersClub $5k CL
1-19 Discover $1k
1-19 Commenity $300 unsecured, CLI to $620 1-20
8-19 NFCU $500 secured graduated to non secured with limit of $4,500
8-19 NFCU SSL $3k paid down to $233
2-20 NFCU Cash Rewards $15k
5-20 Honda $46k @2.9%
1-21 PayPal Credit SL $3.5k
1-21 CapOne Platinum SL$ 3k
Cant believe it's been 2 years now, these recoveries are so slow its torturous!
Message 1 of 6
5 REPLIES 5
pizzadude
Credit Mentor

Re: Hopeless after Chapter 7 Can't even get approved for Secured Discover or Capital One


@AspiringDink1991 wrote:

I feel like i have ruined my financial life completely by doing this. I have an open sky account thats been positively reporting for 6 months and I'm still getting denied for everything under the sun. I just dont know what to do. I feel like its impossible.


Is your signature accurate ?  You have multiple CCs open with decent starter limits.   If your BK is recent then you'll likely continue to be denied by many creditors.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 6
LakeLife
Established Contributor

Re: Hopeless after Chapter 7 Can't even get approved for Secured Discover or Capital One


@pizzadude wrote:

@AspiringDink1991 wrote:

I feel like i have ruined my financial life completely by doing this. I have an open sky account thats been positively reporting for 6 months and I'm still getting denied for everything under the sun. I just dont know what to do. I feel like its impossible.


Is your signature accurate ?  You have multiple CCs open with decent starter limits.   If your BK is recent then you'll likely continue to be denied by many creditors.


All of those tradelines appear to be from before the Chapter 7.




Message 3 of 6
FireMedic1
Community Leader
Mega Contributor

Re: Hopeless after Chapter 7 Can't even get approved for Secured Discover or Capital One

@AspiringDink1991 

It would help if you listed who got burned. And as others have said. Update your siggy please.


Message 4 of 6
dfw89
New Member

Re: Hopeless after Chapter 7 Can't even get approved for Secured Discover or Capital One

This forum has tons of information on rebuilding your credit.  Without knowing more details of your situation, I would suggest looking at secured card options for a while.  Specifically one credit card, and a secured loan of some sort.

Message 5 of 6
brendini
Established Member

Re: Hopeless after Chapter 7 Can't even get approved for Secured Discover or Capital One


@FireMedic1 wrote:

@AspiringDink1991 

It would help if you listed who got burned. And as others have said. Update your siggy please.


Where can I update my own signature?

3/2023 Discharge Ch 7
3/2023-Closed 9/2023 CapitalOne Quicksilver Secured SL $500 - Closed
9/2023 Discover Miles SL $13,500
1/2024 Ally Everyday Unlimited SL $2,000-7/2024 $2,900
7/2024 Savor One SL $4,000
Message 6 of 6
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